Hard Money 101

The ultimate value of a mortgage broker comes in the form of providing choice to the consumer, and thus more opportunities to homeowners, even in the most dire of situations.  Hard Money loans have often been associated in the same circles as

Properties in an Irrevocable Trust

What happens when homeowners don’t ever move?  Eventually, the home passes to their heirs after death.  For child beneficiaries, they end up with a pretty good deal.  There’s the classic loophole step-up in tax basis, as well as an

Mortgages for Non-U.S. Citizens

Because of the economic stability and affluence of the United States, the demand for real estate in this country is always strong.  A foreign national who is not a resident in many cases may seek to purchase property and have it financed

Condos with HOA litigation

One of the most hard-to-find mortgage solutions is when a subject condo is under litigation – not just a plaintiff’s suit, or slip & fall, but for dreaded STRUCTURAL DEFECTS.  This happens when the management organization is unable to

Need an ITIN loan option? 

Say what?  No… there is no typo there…  an Individual Taxpayer Identification Number (ITIN – usually pronounced “eye-tin”) is a tax processing number issued by the Internal Revenue Service.  Despite its restrictions on benefits, ITIN

Use RSUs to Buy a Home

After accounting and tax evasion scandals involving stock options rocked the early 2000s, technology employers began issuing companywide Restricted Stock Units (RSU) as a form of compensation to attract and retain employees.  Similar to stock

The Loan Solution for Small Business Owners

Given the right situation, there is an appropriate fit for each loan program we offer.  And for some small businesses or sole-proprietors, that solution may be our Bank Statement loans. Traditional underwriting guidelines require a 2-year history

How Asset Depletion Programs Works

Did you know?  You don’t necessarily need a salary or earn self-employment income to qualify for a loan!  “Asset depletion” is a way to extrapolate a fictional revenue stream from a borrower’s financial assets to qualify for a conventional

Land Loans: Are They Worth It?

With the price of existing homes in Silicon Valley resting at all-time highs, some homebuyers and developers are exploring opportunities to purchase land – here’s a quick primer on the financing behind land acquisition transactions. Land and